Claim Services

A roof replacement can be overwhelming to think about. Most homeowners are not very experienced in the roofing industry. And they are expensive, right? Well, they can be. But if a roof is damaged by a storm with hail, wind or water, and hasn’t held up over time, there is usually a need to repair or replace.

After determining hail or storm damage, you’ll have to find out what is covered under the homeowner’s insurance policy.

The insurance company will need to do an inspection or request substantial photo documentation justifying a claim approval.

If your claim is approved, there is a standard to calculate the payout. If the roof is newer than 1o years old, the section with damage needing repair or replacement is usually fully covered. If a roof is older than 10 years old, the homeowner will usually receive what is called a depreciated value. This means the insurance company will take age and wear and tear into consideration and value the roof at that depreciated amount prior to the storm or hail damage. Most policies also have a recoverable depreciation value which means if you replace your roof up to current standards, you can also recover the depreciation which was lost (???)

After your claim is approved, the homeowner will receive the first Actual Cash Value check. You will pay that as well as your deductible to Max Roofing. After Max Roofing completes the job, we will send in a certificate of completion to the insurance company. The insurance company will then release the final recoverable depreciation check to the homeowner to be paid to Max Roofing.